Payfone has announced '1 Touch Checkout', a "new mobile commerce checkout solution that connects shoppers’ mobile identities with their payment instruments to enable the easiest, fastest and most secure mobile commerce checkout experience possible." Payfone also announced that CardinalCommerce has joined the Payfone Ecosystem as its channel partner.

PayTap is a new social bill pay services that premiered this week at both TechCrunch Disrupt SF and FinovateFall 2012 in NY. The services supports payment cards, bank account, PayPal, and Dwolla payments.

Tap into your network of family and friends to get bills paid. You can share with one person or collaborate with many and the money goes directly to the biller.

MasterCard announced that is has partnered with CQR Payment Solutions to Launch the MasterCard Reload Service for Prepaid in Europe. Cardholders will be able to load cash at a wide variety of merchant locations across Europe via a direct card reload or through a Ukash voucher, which can then be used to reload the card online. The rePower voucher launch will be in November this year.

The Federal Deposit Insurance Corporation (FDIC) has announced the results of its 2011 National Survey of Unbanked and Underbanked Households. "The survey indicates that more than one in four U.S. households (28.3%) are either unbanked or underbanked, a slight increase from the findings of the FDIC’s 2009 inaugural survey. The survey, conducted every two years by the FDIC in partnership with the U.S. Bureau of the Census, provides the banking industry and policy makers with insights and guidance on the demographics and needs of the unbanked and underbanked."

Google says its 'Save to Wallet API for Payment Cards' is now live, with both Discover and Barclaycard US the first to let their cardholders directly insert their cards into the Google Wallet. The blog post has some good screen shots. Barclaycard's companion announcement is here.

First Data has announced the signing of an exclusive teaming agreement with Accenture and VocaLink to introduce a technical solution for Immediate Payments in Australia. Immediate Payments would enable Australian consumers and businesses to transfer funds between bank accounts in real or near real-time, instead of waiting between one-to-three days.

“We are pleased to enter into this agreement with Accenture and VocaLink and look forward to engaging with the industry on potential governance models for our proposed technical solution,” said John Tait, managing director of First Data in Australia and New Zealand. “Our ultimate goal is to provide innovation to Australian consumers, and we recognise that this can only be achieved through a cooperative approach and defined by a broad group of stakeholders, driven at the industry level.”

PreCash has announced FlipMoney, a mobile wallet app for underbanked consumers.

“Historically, people with the least amount of money and free time pay more and have fewer convenient options to do simple things like pay bills or cash checks,” said Steve Taylor, PreCash CEO. “Until now, the current cadre of mobile payments and financial services apps largely ignore the needs of people without bank accounts and credit cards. Flip changes all of that by combining instant remote check deposit and free expedited bill payments in a single mobile wallet that works with a prepaid card.”

PreCash also announced that the mobile solution can be customized and branded for mobile carriers, prepaid program managers, money service businesses and other merchants.

MasterCard has announced the expansion of its U.S. electronic payments roadmap to include the ATM channel. Beginning in October 2016, a liability shift hierarchy will be introduced for ATM transactions in the U.S., as part of an effort to globally align the use of EMV technology to prevent and manage fraud in the payments ecosystem.

“This continues our commitment to look holistically at the next generation of U.S. payments,” said Mike Weitzman, Group Executive, U.S. Markets, MasterCard. “As other markets have migrated to EMV, we have seen fraud shift to the least secure channel. By establishing this liability shift, we’re advancing efforts to prevent and reduce fraud. At the same time, by making the announcement today, we’re providing our issuers, acquirers and ISOs flexibility and sufficient time to manage their ATM technology decisions.”